Who insures it · 4 named markets · read 2026-10-28

Who insures flood-only?

Flood-only is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

4 markets publicly write flood-only: Wright Flood, Aon Edge, TypTap Insurance (HCI Group), Beyond Floods. 3 MGAs, 1 admitted carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Wright Flood MGA	Private flood and excess flood products through Berkshire Hathaway Specialty, Chubb, Hiscox and Lloyd's of London, alongside NFIP write-your-own business; acquired Poulton Associates “Wright Flood also offers private flood and excess flood products through carriers that include”	by product: BHSI 11 states, Chubb 17, FocusFlood 22, Hiscox 19, Wright Excess 41, Brokerage 26 (states not named on page)	not stated	wrightflood.com · read 2026-10-28
Aon Edge MGA	Private flood insurance (EZ Flood) for residential property owners and custom commercial private flood “Private Flood Insurance solutions for property owners”	not stated	not stated	aonedge.com · read 2026-10-28
TypTap Insurance (HCI Group) Admitted carrier	Flood insurance product line underwritten by Homeowners Choice Property & Casualty Insurance Company, Inc. in eight states “TypTap's Flood insurance products and services are underwritten by Homeowners Choice Property & Casualty Insurance Company, Inc.”	AR, CA, MD, NJ, OH, PA, SC, TX	not stated	typtap.com · read 2026-10-28
Beyond Floods MGA	Private flood program not affiliated with the NFIP; fee table lists an E&S MGA fee and E&S tax, indicating surplus lines placement; footer names National General Insurance Company “Beyond Floods is not affiliated with the National Flood Insurance Program”	not stated (product availability map image only)	Surplus lines	beyondfloods.com · read 2026-10-28

Neptune Flood's site returned 403 (bot wall), so Neptune could not be verified; nationalfloodservices.com did not resolve; Bankers Insurance says 'flood coverage available nationwide' but does not say private flood; Palomar's site lists no flood product. Wright Flood's own role (WYO carrier plus private-flood distribution) is not labeled on the page; MGA is the closest listed type.

How flood-only gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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